Can I retire at age 52 with 1,900,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$156,900$155,503$154,139$152,808$151,509$145,670
2 years$77,673$76,227$74,825$73,465$72,147$66,334
3 years$51,268$49,815$48,417$47,070$45,773$40,169
4 years$38,068$36,619$35,235$33,911$32,646$27,293
5 years$30,150$28,710$27,344$26,047$24,817$19,730
6 years$24,873$23,444$22,098$20,830$19,637$14,818
7 years$21,105$19,688$18,363$17,126$15,970$11,419
8 years$18,280$16,876$15,574$14,366$13,249$8,960
9 years$16,085$14,694$13,414$12,237$11,157$7,125
10 years$14,329$12,952$11,694$10,548$9,506$5,724
11 years$12,894$11,530$10,295$9,180$8,176$4,633
12 years$11,698$10,349$9,137$8,052$7,085$3,774
13 years$10,688$9,353$8,163$7,109$6,178$3,088
14 years$9,822$8,501$7,335$6,310$5,416$2,537
15 years$9,073$7,766$6,622$5,628$4,769$2,091
16 years$8,418$7,125$6,004$5,039$4,214$1,728
17 years$7,840$6,562$5,463$4,528$3,737$1,430
18 years$7,328$6,064$4,987$4,080$3,323$1,186
19 years$6,869$5,620$4,566$3,687$2,962$985
20 years$6,457$5,222$4,190$3,339$2,645$819
21 years$6,085$4,864$3,854$3,031$2,367$682
22 years$5,747$4,540$3,552$2,755$2,122$568
23 years$5,439$4,247$3,280$2,509$1,905$473
24 years$5,157$3,979$3,033$2,289$1,712$394
25 years$4,898$3,734$2,809$2,090$1,541$329
26 years$4,660$3,509$2,606$1,911$1,388$275
27 years$4,439$3,303$2,420$1,749$1,251$229
28 years$4,235$3,112$2,249$1,603$1,129$191
29 years$4,045$2,936$2,093$1,470$1,019$160
30 years$3,868$2,773$1,950$1,349$921$134
31 years$3,702$2,621$1,818$1,239$833$112
32 years$3,548$2,480$1,696$1,139$753$93
33 years$3,403$2,349$1,583$1,047$682$78
34 years$3,266$2,226$1,479$963$617$65
35 years$3,138$2,111$1,383$887$559$54
36 years$3,018$2,004$1,294$817$507$45
37 years$2,904$1,903$1,211$752$459$38
38 years$2,796$1,809$1,134$694$416$32
39 years$2,694$1,720$1,063$640$377$27
40 years$2,598$1,636$996$590$342$22
41 years$2,506$1,558$934$544$311$19
42 years$2,419$1,484$876$502$282$16
43 years$2,336$1,414$822$464$256$13
44 years$2,257$1,347$772$428$232$11
45 years$2,182$1,285$725$395$211$9
46 years$2,111$1,226$681$365$191$8
47 years$2,043$1,170$639$337$174$6
48 years$1,977$1,117$601$312$158$5
49 years$1,915$1,066$565$288$143$4
50 years$1,855$1,019$531$266$130$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,900,000, adding $4,635 every year, while hoping to spend $36,192 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 37/38/25 Blend
51$1,900,000$1,900,000$1,900,000$1,900,000
52$2,098,581$1,997,881$1,968,431$2,160,355
53$2,274,128$2,057,269$1,995,865$2,265,496
54$2,466,368$2,118,354$2,023,006$2,375,321
55$2,676,966$2,181,181$2,049,804$2,493,239
56$2,907,753$2,245,797$2,076,210$2,620,003
57$3,160,750$2,312,246$2,102,169$2,756,442
58$3,438,179$2,380,579$2,127,624$2,903,466
59$3,742,490$2,450,844$2,152,516$3,062,077
60$4,076,379$2,523,090$2,176,780$3,233,380
61$4,442,817$2,597,370$2,200,350$3,418,588
62$4,845,078$2,673,734$2,223,155$3,619,039
63$5,286,766$2,752,237$2,245,121$3,836,205
64$5,771,852$2,832,932$2,266,168$4,071,706
65$6,304,710$2,915,876$2,286,215$4,327,326
66$6,890,160$3,001,123$2,305,172$4,605,031
67$7,533,511$3,088,732$2,322,950$4,906,985
68$8,240,611$3,178,762$2,339,451$5,235,570
69$9,017,904$3,271,272$2,354,572$5,593,411
70$9,872,488$3,366,322$2,368,209$5,983,401
71$10,812,184$3,463,974$2,380,246$6,408,722
72$11,845,610$3,564,292$2,390,567$6,872,884
73$12,982,258$3,667,339$2,399,048$7,379,750
74$14,232,589$3,773,179$2,405,557$7,933,578
75$15,608,128$3,881,879$2,409,957$8,539,057
76$17,121,571$3,993,505$2,412,105$9,201,355
77$18,786,910$4,108,126$2,411,849$9,926,165
78$20,619,560$4,225,810$2,409,032$10,719,758
79$22,636,507$4,346,626$2,403,486$11,589,045
80$24,856,466$4,470,645$2,395,037$12,541,641
81$27,300,057$4,597,939$2,383,503$13,585,934
82$29,990,005$4,728,580$2,368,692$14,731,170
83$32,951,345$4,862,640$2,350,403$15,987,534
84$36,211,667$5,000,194$2,328,426$17,366,249
85$39,801,369$5,141,315$2,302,540$18,879,685
86$43,753,948$5,286,079$2,272,515$20,541,469
87$48,106,314$5,434,561$2,238,108$22,366,620
88$52,899,140$5,586,836$2,199,066$24,371,684
89$58,177,242$5,742,981$2,155,125$26,574,900
90$63,990,006$5,903,073$2,106,007$28,996,361
91$70,391,851$6,067,187$2,051,423$31,658,213
92$77,442,742$6,235,402$1,991,067$34,584,858
93$85,208,758$6,407,793$1,924,625$37,803,188
94$93,762,714$6,584,437$1,851,762$41,342,837
95$103,184,847$6,765,411$1,772,132$45,236,463
96$113,563,575$6,950,790$1,685,372$49,520,054
97$124,996,331$7,140,649$1,591,103$54,233,268
98$137,590,480$7,335,064$1,488,928$59,419,812
99$151,464,334$7,534,107$1,378,433$65,127,848
100$166,748,269$7,737,852$1,259,184$71,410,452